Savings :: Personal :: Northrim Bank

Savings Account Options

	Best if...	Interest Rates (APY*)		Minimum to Open	Key Features & Benefits	Service Charges
	Best if...	Tier	APY*	Minimum to Open	Key Features & Benefits	Service Charges
Classic Savings	You need a basic savings account	Less than $2,500 $2,500-$24,999 $25,000 and greater	0.10% 0.20% 0.30%	$100	Available for Overdraft Protection Three levels of interest. Interest accrues daily and is paid quarterly. Unlimited ATM and in-person withdrawals, up to six per month by other means Quarterly statement. Option to combine with your checking account statement. Free 24/7 access via Northrim Online and Telebanking	$4.50 quarterly service charge if average daily collected balance falls below $100 $2 excess withdrawal fee
Money Market	You need the option to write checks	Less than $500 $500-$24,999 $25,000 and greater	0.05% 0.15% 0.25%	$1,000	Option to write checks Three levels of interest. Interest accrues daily and is paid monthly. Unlimited in-person withdrawals, up to six per month by other means (ATM access not offered) Monthly statement. Check images available upon request. Free 24/7 access via Northrim Online and Telebanking	$6 monthly service charge if daily minimum balance falls below $2,000 $2 excess withdrawal fee
Performance Indexed	You have a larger amount to invest and want easy access to funds	Less than $25,000 $25,000-$74,999 $75,000-$149,999 $150,000-$499,999 $500,000 and greater	0.20% 0.39% 0.44% 0.50% 0.55%	$5,000	Available for Overdraft Protection Five levels of interest. Interest accrues daily and is paid monthly. Unlimited ATM and in-person withdrawals, up to six per month by other means Monthly statement. Option to combine with your checking account statement. Free 24/7 access via Northrim Online and Telebanking	$10 monthly service charge if average daily collected balance falls below $5,000 $2 excess withdrawal fee
Kids' Club	A signer on the account is under the age of 18	All Balances	0.20%	$5	Fun online resources and free gift at account opening Interest accrues daily and is paid quarterly Unlimited ATM and in-person withdrawals, up to three per month by other means Monthly statement Free 24/7 access via Northrim Online and Telebanking	No monthly service charge $2 excess withdrawal fee

*APY: Annual Percentage Yield
APY effective 07/26/10 through 07/31/10
Fees could reduce earnings, rates are subject to change.

Other Savings Options

Education Savings Account (ESA) - A great way to save for a child's future

Interest is tax free, as long as funds are used for qualified educational expenses
Can be used for elementary school through the college years for any qualified educational expense
Make up to three fee free withdrawals per quarter
Three tiers of interest allow you to earn more interest as your balance grows
Only $25 required for the opening deposit
No monthly fee
Excess withdrawal fees may apply

Important tax information about ESAs can be found in our ESA brochure.

Health Savings Account (HSA) - A great way to save for health care costs

Interest is tax free, as long as funds are used for qualified medical expenses
Make up to six fee free withdrawals per month in person, by check, or with a special VISA® Check Card
Check images are returned with your monthly statement
Three tiers of interest allow you to earn more interest as your balance grows
Only $25 is required for the opening deposit and minimum balance
Northrim will also automatically open a HSA checking account and will transfer funds from your HSA savings as needed
To view qualified medical expenses please view the Internal Revenue Service Publication 502

HSA Contribution Limits

	Minimum Deductible	Maximum Out-of-Pocket	Contribution Limit	Catch-Up Contribution* (55 or older)
Single Plan
2009	$1,150	$5,800	$3,000	$1,000
2010	$1,200	$5,950	$3,050	$1,000
Family Plan
2009	$2,300	$11,600	$5,950	$1,000
2010	$2,400	$11,900	$6,150	$1,000
*If a spouse is also 55 or older, a second HSA must be established and a second contribution of $1,000 could be made to that account. Note: Dollar limits are indexed annually. For PPO plans, the deductible and out-of-pocket limits apply to in-network services.

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